Call reports 2010
CITIZENS BANK — 2010
What CITIZENS BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 152,413,000 | 153,375,000 | 157,539,000 | 155,054,000 |
| Total loans | 101,941,000 | 103,590,000 | 105,988,000 | 109,856,000 |
| Allowance for loan losses | 1,450,000 | 1,393,000 | 1,263,000 | 1,304,000 |
| Securities available for sale | 29,828,000 | 31,101,000 | 26,803,000 | 26,785,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 139,318,000 | 139,507,000 | 143,586,000 | 141,832,000 |
| Interest-bearing deposits | 119,633,000 | 119,400,000 | 121,671,000 | 120,383,000 |
| Noninterest-bearing deposits | 19,685,000 | 20,107,000 | 21,915,000 | 21,449,000 |
| Equity capital | 12,554,000 | 13,271,000 | 13,261,000 | 12,666,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,926,000 | 3,909,000 | 5,804,000 | 7,739,000 |
| Interest expense | 479,000 | 962,000 | 1,430,000 | 1,880,000 |
| Net interest income | 1,447,000 | 2,947,000 | 4,374,000 | 5,859,000 |
| Noninterest income | 146,000 | 301,000 | 389,000 | 476,000 |
| Noninterest expense | 1,626,000 | 3,133,000 | 4,663,000 | 6,196,000 |
| Provision for loan losses | 180,000 | 180,000 | 180,000 | 215,000 |
| Pretax income | 100,000 | 248,000 | 353,000 | 519,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 100,000 | 248,000 | 353,000 | 519,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,162,000 | 12,435,000 | 12,540,000 | 12,705,000 |
| Total capital | 13,475,000 | 13,774,000 | 13,803,000 | 14,009,000 |
| Risk-weighted assets | 104,888,000 | 107,101,000 | 107,591,000 | 114,459,000 |
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